The idea of the bank consists of three main Ideas subdivided to several secondary parts :- 1-Discount instead of the interest :- The bank get a partly ownership of a certain percentage of the production of the investor company, then issue a discount coupons of products & give it to depositors. for example: company (A) has production of goods (P) has borrowed from the bank the amount of 1000000 $ ,so, the company will give the bank the right to dispose of part of its production of goods which 10% of the production. 2-Money sharing round :- Every borrower pays amount of money to the bank & it collects them every month & one of the borrowers get the collected money in turn by rotation. for example , 10 people need 10000 each so everyone will pay 1000 monthly and gain 10*1000 = 100000 , customer (1) January , customer (2) February & so on & every one could have two turns like customer (1) take the first turn & the last turn , & so on , the more number of sharers increase , the more gain for everyone. 3-Relative Stability of value of money:- When someone puts money in the bank, the amount of the money is be evaluated according to fixed valuable matching metal like gold. For example.... someone had put 100000 USD in the bank, & the price of gold in grams at that time, 20 $.... Then the value set by the Bank 5000 grams ... and then the man comes after a period of time